Our Privacy Policy
Effective Date: May 2026
1. Introduction
Loyalty Life (Pty) Ltd (“Loyalty Life”, “the Company”, “we”, “our”, or “us”) is committed to protecting the privacy, confidentiality, and security of personal information in accordance with:
- the Protection of Personal Information Act, 4 of 2013 (“POPIA”);
- the Promotion of Access to Information Act, 2 of 2000 (“PAIA”);
- the Financial Advisory and Intermediary Services Act (“FAIS”); and
- all other applicable South African legislation.
This Privacy Policy explains how we collect, process, use, store, share, and protect personal information obtained through:
- our website;
- financial services interactions;
- policy applications;
- lead generation and marketing campaigns;
- customer support channels; and
- electronic communications.
By accessing our website or using our services, you consent to the processing of your personal information as described in this Privacy Policy.
2. Responsible Party
Loyalty Life (Pty) Ltd is the responsible party for purposes of POPIA.
Website:
Loyalty Life Website
The Company has appointed an Information Officer in accordance with POPIA and PAIA requirements.
3. Information We Collect
We may collect and process the following categories of personal information:
Personal Identification Information
- Full names;
- Identity or passport numbers;
- Date of birth;
- Gender;
- Nationality.
Contact Information
- Telephone numbers;
- Email addresses;
- Residential and postal addresses.
Financial Information
- Banking details;
- Debit order information;
- Income and affordability information;
- Insurance and policy-related data.
Special Personal Information
Where required and legally permitted:
- health information;
- biometric information;
- underwriting-related risk data.
Website and Technical Information
- IP address;
- browser type;
- cookies and analytics data;
- website usage information;
- online identifiers.
4. Purpose of Processing
We process personal information for lawful business purposes, including:
- providing financial products and services;
- underwriting and risk assessment;
- client onboarding and policy administration;
- compliance with FAIS, FICA, and regulatory obligations;
- fraud prevention and risk management;
- responding to enquiries;
- direct marketing where lawful consent exists;
- improving website functionality and customer experience.
We will only process personal information where:
- consent has been obtained;
- processing is necessary to fulfil a contract;
- processing is required by law; or
- we have a legitimate business interest that does not override your rights.
5. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- improve user experience;
- analyse website traffic;
- maintain website functionality;
- personalise content and advertising.
Cookies may include:
- essential cookies;
- analytics cookies;
- performance cookies;
- marketing cookies.
Users may disable cookies through browser settings; however, some website functionality may be affected.
Continued use of the website constitutes consent to cookie usage unless disabled.
6. Sharing of Information
We may share personal information with:
- insurers and underwriting partners;
- authorised financial service providers;
- regulatory authorities;
- fraud prevention agencies;
- payment processors;
- contracted operators and service providers.
All third parties processing information on our behalf are required to maintain appropriate confidentiality and security safeguards.
We do not sell personal information.
7. Data Security
We implement reasonable technical and organisational safeguards to protect personal information against:
- unauthorised access;
- loss or theft;
- unlawful disclosure;
- destruction or misuse.
Despite reasonable safeguards, no electronic system can be guaranteed completely secure.
8. Retention of Information
Personal information is retained only for:
- as long as necessary for lawful business purposes;
- regulatory recordkeeping obligations;
- dispute resolution;
- legal compliance requirements under FAIS, FICA, tax, and insurance legislation.
9. Data Subject Rights
In accordance with POPIA, users may:
- request access to personal information;
- request correction or deletion;
- object to processing;
- withdraw consent;
- request restriction of direct marketing;
- lodge complaints with the Information Regulator.
Information Regulator Website:
Information Regulator South Africa
10. PAIA Manual
Loyalty Life maintains a PAIA Manual as required under the Promotion of Access to Information Act.
Requests for access to records may be submitted in accordance with the PAIA Manual available on request or via the website.
11. Cross-Border Transfers
Where personal information is transferred outside South Africa, we will ensure that:
- the recipient country has adequate protection laws; or
- contractual safeguards exist to protect the information.
12. Direct Marketing
Electronic direct marketing communications will only be sent:
- with consent where required by law; or
- where an existing customer relationship exists and lawful opt-out mechanisms are provided.
Users may unsubscribe at any time.
13. Changes to this Policy
We reserve the right to amend this Privacy Policy from time to time. Updated versions will be published on the website with revised effective dates.
